The short version
- Personal policies often exclude or limit coverage while driving for pay.
- Rideshare and delivery companies provide their own coverage in some phases of a trip.
- Ask your insurer about gaps between the personal policy and the company coverage.
The clause
Look for words like “livery” or “for hire” or “carrying persons or property for a fee”. They describe uses a personal policy may not cover.
Company coverage
Many platforms provide insurance during certain phases, such as while carrying a passenger, and less when waiting for a request. Terms differ by company and state.
Possible gaps
There can be a gap between personal coverage and the platform coverage. Some insurers offer endorsements designed to fill it.
Ask the right people
Your insurer can say how your policy applies, and the platform publishes its insurance terms. We are neither and give no quotes.
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